Complex Mortgages and Ownership
We specialise in providing bespoke financing solutions for property owners with complex ownership structures. Whether your property is held through an offshore company, a UK-registered company, or a trust, we offer tailored mortgages to suit your unique needs. We have the right solution to help you secure the funding you need.
How Can We Help?
We understand that securing finance for properties held in complex ownership structures can be challenging. Traditional lenders often have rigid requirements and limited flexibility, making it difficult to obtain the financing you need.
Offshore Company Ownership
If your property is owned through an offshore company, you may face difficulties with traditional lenders who often see this as a higher-risk structure. Our experience with private banks and offshore lenders allows us to help you leverage your property as collateral, securing the mortgage you need with favourable terms.
Trust and Company Structures
Properties held in a trust or a company can be more complicated to finance, but our team is well-versed in working with these types of ownership structures. We can help you navigate the complexities and secure a customised mortgage solution to match your situation.
Tailored Solutions for Complex Needs
Whether you’re financing a commercial property, residential portfolio, or a luxury estate, we specialise in understanding the unique needs of our clients and offering personalised solutions. Our strong relationships with private banks and specialist lenders mean we can find the right finance for your specific circumstances.
We Can Open Doors to Thousands of Mortgage Options
Purchase Products
Re-Mortgage Products
Mortgage Products with Private Banks
Our Complex Mortgage Types
We offer a variety of complex mortgage solutions, including:
- Offshore Company Mortgages: Specifically designed for property owners whose assets are held through offshore companies. We work with private banks and international lenders to offer flexible loan terms.
- UK Company Mortgages: If your property is owned through a UK-registered company, we can help you secure a mortgage that aligns with your business objectives, offering competitive rates and terms.
- Trust Mortgages: Properties held within a trust can be financed with bespoke mortgage solutions that consider the legal structure of the trust and your financial goals.
- High-Net-Worth Mortgages: For individuals with significant wealth, we offer tailored mortgage products that reflect the complexity of your financial situation and property ownership.
- Portfolio Finance: If you own multiple properties within a business or trust structure, we can help you consolidate your loans into a single, more manageable financing solution.
As Featured In
Who We Help
- Property owners with offshore company ownership
- Business owners with properties held in UK-registered companies
- Individuals with properties held in trusts
- High-net-worth individuals and investors seeking complex property finance solutions
- Wealth managers, family offices, and advisors working on behalf of clients with complex ownership
Our Process
We make securing a complex mortgage as straightforward as possible with our streamlined process:
Step 1: Initial Consultation
We start by discussing your specific needs and understanding the complexity of your ownership structure.
Step 2: Tailored Advice
Step 3: Mortgage Application
Step 4: Approval & Funding
Real Results: Solving Complex Mortgage Challenges
Structuring a Complex Development Exit and Long‑Term Letting Strategy
A development client approached Orton Financial with four newly built homes held in a trading company — but shifting market conditions meant selling was no longer viable. The client wanted to retain and let the units, yet faced tax risks, lender restrictions, title issues, and an outstanding development loan.
Orton Financial engineered a two‑lender structure that allowed the titles to be split on completion, the properties transferred into a new SPV without stamp duty, and the development facility repaid efficiently — avoiding tax crystallisation and enabling a clean transition into long‑term investment.
EWS1 Mortgage Update: Six Months On – Challenges Continue, But Solutions Exist
Six months on, EWS1 issues still delay mortgages—especially reports from Tri Fire. Some surveyors even request EWS1 forms for properties with no cladding. We offer mainstream mortgage solutions that don’t require EWS1, saving time without compromising on price.
Unlocking Potential: How to Fund and Renovate Your Next Property
When time was tight and the financial picture complex, we helped our client secure a bridging loan to purchase and renovate their future home—while retaining their current property. With tailored advice and a fast turnaround, we turned a challenging situation into a smooth transition.
Trust in Orton Finance
Experienced Track Record
Expert Advisors
Our team of advisors is highly knowledgeable about the complex mortgage landscape and will guide you through every step of the process.
Bespoke Solutions
Strong Relationships with Lenders
Comprehensive Service
What Clients Say About Our Team
Luther is a fantastic broker, helpful, agile, friendly and fantastic at his job. Thank you for helping us to obtain a mortgage for our dream home! I would recommend Luther in a heartbeat! Thank you again.
Luther took the time to understand our situation and provided an excellent service. A better option became available and Luther was able to switch our mortgage for no additional fee. I would recommend him to friends of family.
I was already working with a broker but i wasn’t happy with the service they were providing. Once I had spoken to Luther I knew he was the right advisor for me.
An excellent experience with Luther. We are an expat family relocating from the US to the UK. Luther helped us through the process of finding a new home and truly helped us settle into a new country. We very much appreciate all the help and assistance. We would highly recommend Luther.
Complex Property Ownership? Secure the Right Mortgage With Us
Have a question, or are you ready to discuss your financing needs? Fill out the contact form below, and our team will be in touch with you shortly.
Explore Our Recent Articles
Stay up-to-date with the latest news, insights, and developments in complex mortgages and property finance. Visit our blog for more.
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Extensions, alterations and missing permissions are among the most overlooked risks when buying a home. Solicitors and lenders may not flag them. At Orton Financial, we help clients stay protected by spotting issues early and guiding them toward the right checks.
EWS1 Mortgage Update: Six Months On – Challenges Continue, But Solutions Exist
Six months on, EWS1 issues still delay mortgages—especially reports from Tri Fire. Some surveyors even request EWS1 forms for properties with no cladding. We offer mainstream mortgage solutions that don’t require EWS1, saving time without compromising on price.
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